check anyway....houses in this area went up 12% this year 'cuz we don't live in the City of Cincinnati...that's equal to more than $30,000 in equity on my house.....anytime you can tie it to property-or make it a seperate 2nd "vacation home" and insure it properly the better the rates and the more interested your lender will be....and you can shop lenders currently....here are tax advantages also....geof
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